Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$472,495Cash toward the purchase price.
Closing costs + prepaids$12,003Not just lender fees.
Before credits & paid funds$484,498The complete starting cash picture.
Estimated remaining funds due at closing
$484,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,494.77
Your down payment$472,494.77
Closing costs + prepaids$12,003.12
Total buyer cash needed$484,497.89
Remaining funds due$484,497.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.25
Initial HOA (3 months)$87.51
Prepaid interest, first (27 days)$79.36
Fees + prepaids$12,003.12
Your down payment is the seller’s equity. You take over the $16,505 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $484,497.89 is due at closing. Uses and sources reconcile at $501,003.12 each. Not a Closing Disclosure.